We are officially in the final stretch of November 2025, and while you might be planning your December holidays, two critical financial deadlines are quietly approaching that demand your immediate attention. Missing these could mean a freeze on your income next month.

1. The Life Certificate (Jeevan Pramaan) – Deadline: Nov 30 If you are a pensioner, this is your annual "proof of life" ritual. The deadline to submit your Jeevan Pramaan Patra is November 30.

The Risk: If you miss this date, your pension for December will not be credited.

The Solution: You don’t need to visit the bank. Use the government's Face Auth App on your smartphone to submit your certificate from your living room. It takes 5 minutes. Do it today.

2. NPS vs. UPS Switch – Extended Deadline: Nov 30 for Central Government employees, the window to switch from the National Pension System (NPS) to the new Unified Pension Scheme (UPS) closes on November 30 (extended from September).

The Dilemma: UPS offers a guaranteed pension (50% of last drawn salary) but requires you to forfeit the potential high returns of the NPS market-linked corpus.

If you are risk-averse and want safety, switch to UPS. If you are young and want to build a massive corpus through equity compounding, stick with NPS. But you must record your choice on the portal before the month ends.

Mark your calendar. November 30 is a Sunday, so don't wait until the last minute. Log in to the portals today and secure your financial flow for the coming year.